Tag: FD rates

Should you invest in state govt. NBFC deposits?

Personal Finance

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Investing in fixed deposits of state government-owned entities may seem like shooting two birds – attractive returns and solid safety – with one stone. But it may not be so.

FDs from non-banking financial companies (NBFCs) such as the Tamil Nadu Power Finance and Infrastructure Development Corp. (TN Power Finance), the Tamilnadu Transport Development Finance Corp. (TDFC) and the Kerala Transport Development Finance Corp. (KTDFC) seem to be popular with investors. As of March 2020, TN Power Finance and TDFC had public deposits worth ₹5,900 crore and ₹794 crore, respectively.

What’s good, what’s not

Both TN Power Finance and TDFC offer an attractive 7 per cent (1-year) and 7.25 per cent (2-year) p.a. on their cumulative FDs. KTDFC offers 6 per cent p.a. on its same tenure deposits.

Despite their implicit government backing, the weak financials of these NBFCs as reflected in their subpar credit ratings do not inspire much confidence. The absence of DICGC’s (Deposit Insurance and Credit Guarantee Corporation) cover for such deposits, too makes them a risky bet.

Past credit events have taught us that even the highest AAA ratings must be taken with a pinch of salt. That means, one must be even more wary of lower-rated instruments. Both the TN Power Finance and TDFC FDs are rated MA-(Stable) by ICRA. Even this rating is supported by “ownership and the expected financial support from GoTN”.

TN Power Finance: According to an ICRA report dated Apr 2021, the NBFC provides loans only to the Tamil Nadu Generation and Distribution Corp. or TANGEDCO. This exposes it to concentration risk. As per the report, while the company’s net profitability improved in FY2020 and 9M 2021 compared to FY19 thanks to lower cost of deposits, the sustainability of this will depend on how much pricing flexibility it has with TANGEDCO. TN Power Finance reported net profit of ₹505 crore on an asset base of ₹39,488 crore in FY2020. Based on the latest available numbers, the company’s CRAR (capital to risk weighted assets ratio) was around 12 per cent as of March-end 2020. This must be raised to 15 per cent by March 2022 as directed by the RBI and may require equity infusions from the government as in the past.

TDFC: Based on another ICRA report dated Nov 2020, the NBFC provides loans to state transport undertakings (STUs) and had a CRAR of 15.3 per cent as of March-end 2020. This was a significant improvement from a year ago thanks to the government’s equity infusions. However, with Covid impacting the operations of STUs, TDFC’s capital adequacy could come under pressure. TDFC reported net profit of Rs. 12 crore on an asset base of ₹9,329 crore in FY2020.

Interest payment on deposits (public and others) accounted for 75 per cent and 95 per cent of TN Power Finance’s and TDFCs’ FY2020 revenues.

We were unable to find any financial statements for KTDFC or any credit ratings for its FDs. Attempts to access its website itself were not without trouble – with access being denied due to the website apparently being infected with malware! You can, however, search for ‘KTDFC interest rates’ to gain access to the website.

Safer avenues

Deposits from NBFCs unlike those from banks (including small finance banks) do not enjoy DICGC’ insurance cover. Under this, each bank depositor is insured for a deposit amount of up to ₹5 lakh to be disbursed in a time-bound manner in case a bank gets liquidated or is put under a moratorium. While investors may draw comfort from the implicit government guarantee for state-owned NBFCs, in the absence of any formal time-bound protection, deposit refunds in case of any financial trouble may get delayed.

FDs from financially stronger NBFCs and small finance banks (SFB) can be a safer alternative. Take for example, the two-year cumulative FD from Bajaj Finance that offers 6.10 per cent p.a. The deposits enjoy the highest rating – CRISIL’s FAAA/Stable and ICRA’s MAAA (stable). An NBFC with a diversified loan book, Bajaj Finance’s CRAR of 27.7 per cent is well above the mandated 15 per cent, providing adequate buffer against any future bad loans. Another option can be Equitas SFB’s 2 years 1 day deposit that offers 6 per cent p.a. The SFB has a well-diversified loan portfolio and at a CRAR of 22.2 per cent has a strong capital base.

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Here are the top 5 bank fixed deposit interest rates, BFSI News, ET BFSI

Personal Finance

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The fixed deposit (FD) is one of the most popular investment avenues. Many investors prefer bank FDs over equities as the former are considered safe. The return earned from a bank FD is fixed and known at the time of investing unlike in case of equity.

Fixed deposits are also known as term deposits. This is because money is deposited with a bank for a fixed predetermined time period or term. Here are certain things that you must know while opening an FD account.

You can open a term deposit account with a bank where one already has a savings account. Some banks may allow you to open an FD account without having to open a savings bank account. However, you will be required to undergo a know-your-customer (KYC) process in case the bank allows you to place an FD without a savings account. You will be asked to provide self-attested photocopies of ID proof such as PAN, address proof such as Aadhaar, Voter ID card, passport etc. and coloured passport size photographs. You will be required to show the original documents which will be returned immediately post-verification.

  • Minimum and maximum investment amount

The minimum amount needed to open a fixed deposit account varies from bank to bank. However, there is no limit on the maximum amount which one can invest in an FD.The minimum and maximum tenure offered for which an FD can be placed varies from one bank to another. Usually, one can invest in FD for a minimum period of 7 days and for a maximum of 10 years. You can choose the period for which you wish to keep your FD as per your requirement.

Top 5 bank fixed deposit interest rates
Tenure: 1 year

Bank Name Interest rate (%) Compounded qtrly What Rs 10,000 will grow into
Indusind Bank 6.00 10613.64
RBL Bank 6.00 10613.64
DCB Bank 5.55 10566.66
Bandhan Bank 5.50 10561.45
South Indian Bank 5.40 10551.03

Tenure: 2 years

Bank Name Interest rate (%) Compounded qtrly What Rs 10,000 will grow into
Indusind Bank 6.00 11264.93
RBL Bank 6.00 11264.93
Bandhan Bank 5.50 11154.42
DCB Bank 5.50 11154.42
Karur Vysya Bank 5.50 11154.42

Tenure: 3 years

Bank Name Interest rate (%) Compounded qtrly What Rs 10,000 will grow into
RBL Bank 6.30 12062.63
Indusind Bank 6.00 11956.18
DCB Bank 5.95 11938.52
Karur Vysya Bank 5.50 11780.68
South Indian Bank 5.50 11780.68

Tenure: 5 years

Bank Name Interest rate (%) Compounded qtrly What Rs 10,000 will grow into
RBL Bank 6.30 13669.00
Indusind Bank 6.00 13468.55
DCB Bank 5.95 13435.42
Axis Bank 5.75 13303.65
Karur Vysya Bank 5.75 13303.65

All data sourced from Economic Times Intelligence Group (ETIG)
Data as on September 24, 2021The interest rate offered on fixed deposits (FDs) will depend on the period for which you are investing in the FD and also vary from bank to bank for FDs for the same tenure. Senior citizens are typically offered higher interest rates. To receive the interest payment, you can choose either cumulative option or non-cumulative option.

Under the cumulative option, interest accrued on the deposit is reinvested and paid at the time of maturity along with principal amount.

In the non-cumulative option, interest is credited into the depositors account at the pay-out interval chosen at the time of placing the FD. Generally, one can choose from the options of receiving the interest on monthly, quarterly, half-yearly or annually basis as offered by the bank.

Interest received on FD is fully taxable in the hands of the investor. It will be taxed at the rates applicable to your income tax slabs. TDS will be deducted by the bank if the interest payment in a single financial year exceeds Rs 10,000, as per current tax laws. To avoid TDS, one can submit Form 15G or Form 15H (as applicable) to the bank.In case of any urgent requirements, one can break his/her FD before the maturity date. A penalty may be levied by the bank on premature withdrawals. The penalty amount varies from one bank to another.

While placing a FD, one must check the rules regarding pre-mature withdrawals. Sometimes, banks offer FDs without premature withdrawal facility as well as FDs without penalty on premature withdrawal.

One can use FD as a collateral to obtain a loan. The maximum loan sanctioned is usually a certain percentage of the principal deposit. This percentage may vary bank to bank.Nomination facility for Fixed Deposits (FDs) is also available.At maturity, if no specific instructions are given, most banks automatically renew the FD for the same period for which it was initially placed at the interest rates prevailing on the date the FD matures. If you do not want automatic renewal of your FD, you need to choose this option on the account opening form.

If you have forgotten to mention it, then you can visit the bank branch on the day of maturity and ask them to credit the proceeds into your savings account.

Nowadays banks offer the facility of opening an FD account online via Net banking through your account. One can invest in FD without having to visit a branch physically. However, remember that your bank may not issue you a printed FD receipt/advice if invested online.

Disclaimer: The data/information given above is subject to change therefore before taking any decision based on it, contact the bank/institution concerned.

For any queries or changes, please write to us on etigdb@timesgroup.com or call us at 022 – 66353963.



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Small finance banks seen offering high interest rates for fixed deposits, BFSI News, ET BFSI

Banking & Finance

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For those who seek to invest with guaranteed returns, fixed deposits (FDs) are still among the preferred investment products. They continue to be popular among senior citizens and investors who are looking for low-risk investment tools.

These days, small finance banks (SFBs) are offering lucrative interest rates than top lenders–State Bank of India (SBI), HDFC Bank and ICICI Bank.

On an average, small finance banks are offering interest rates ranging from 3.5% to 6.50%, while top lenders are offering 2.5 % to 5.5%.

Here are some small finance banks to consider for investing in FDs

Suryoday Small Finance Bank

Suryoday Small Finance Bank is offering interest rate ranging from 3.25% to 6.75% on deposits with maturity of seven days to 10 years.

North East Small Finance Bank

North East Small Finance Bank offers interest rates from 3% to 7% on deposits maturing in seven days to 10 years.

Utkarsh Small Finance Bank

Utkarsh Small Finance Bank offers interest rate from 3.00% to 6.75% on FDs maturing in seven days to 10 years.

Equitas Small Finance Bank

Equitas Small Finance Bank offers interest rates from 3.50 % to 6.50 % on FDs maturing in seven days to 10 years.

AU Small Finance Bank

AU Small Finance Bank offers interest rates ranging from 3.50 % to 6.00 % on FDs maturing in seven days to 10 years.

Jana Small Finance Bank

Jana Small Finance Bank offers interest rates from 2.50% to 6.75% on FDs maturing in seven days to 10 years.



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Here are the top 5 bank fixed deposit interest rates, BFSI News, ET BFSI

Banking & Finance

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The fixed deposit (FD) is one of the most popular investment avenues. Many investors prefer bank FDs over equities as the former are considered safe. The return earned from a bank FD is fixed and known at the time of investing unlike in case of equity.

Fixed deposits are also known as term deposits. This is because money is deposited with a bank for a fixed predetermined time period or term. Here are certain things that you must know while opening an FD account.

You can open a term deposit account with a bank where one already has a savings account. Some banks may allow you to open an FD account without having to open a savings bank account. However, you will be required to undergo a know-your-customer (KYC) process in case the bank allows you to place an FD without a savings account. You will be asked to provide self-attested photocopies of ID proof such as PAN, address proof such as Aadhaar, Voter ID card, passport etc. and coloured passport size photographs. You will be required to show the original documents which will be returned immediately post-verification.

  • Minimum and maximum investment amount

The minimum amount needed to open a fixed deposit account varies from bank to bank. However, there is no limit on the maximum amount which one can invest in an FD.The minimum and maximum tenure offered for which an FD can be placed varies from one bank to another. Usually, one can invest in FD for a minimum period of 7 days and for a maximum of 10 years. You can choose the period for which you wish to keep your FD as per your requirement.

Top 5 bank fixed deposit interest rates
Tenure: 1 year

Bank Name Interest rate (%) Compounded qtrly What Rs 10,000 will grow into
RBL Bank 6.10 10624.10
Indusind Bank 6.00 10613.64
DCB Bank 5.55 10566.66
Bandhan Bank 5.50 10561.45
IDFC First Bank 5.50 10561.45

Tenure: 2 years

Bank Name Interest rate (%) Compounded qtrly What Rs 10,000 will grow into
RBL Bank 6.10 11287.14
Indusind Bank 6.00 11264.93
Axis Bank 5.50 11154.42
Bandhan Bank 5.50 11154.42
DCB Bank 5.50 11154.42

Tenure: 3 years

Bank Name Interest rate (%) Compounded qtrly What Rs 10,000 will grow into
RBL Bank 6.30 12062.63
Indusind Bank 6.00 11956.18
DCB Bank 5.95 11938.52
IDFC First Bank 5.75 11868.13
Karnataka Bank 5.50 11780.68

Tenure: 5 years

Bank Name Interest rate (%) Compounded qtrly What Rs 10,000 will grow into
RBL Bank 6.50 13804.20
IDFC First Bank 6.00 13468.55
Indusind Bank 6.00 13468.55
DCB Bank 5.95 13435.42
Axis Bank 5.75 13303.65

All data sourced from Economic Times Intelligence Group (ETIG)
Data as on August 20, 2021The interest rate offered on fixed deposits (FDs) will depend on the period for which you are investing in the FD and also vary from bank to bank for FDs for the same tenure. Senior citizens are typically offered higher interest rates. To receive the interest payment, you can choose either cumulative option or non-cumulative option.

Under the cumulative option, interest accrued on the deposit is reinvested and paid at the time of maturity along with principal amount.

In the non-cumulative option, interest is credited into the depositors account at the pay-out interval chosen at the time of placing the FD. Generally, one can choose from the options of receiving the interest on monthly, quarterly, half-yearly or annually basis as offered by the bank.

Interest received on FD is fully taxable in the hands of the investor. It will be taxed at the rates applicable to your income tax slabs. TDS will be deducted by the bank if the interest payment in a single financial year exceeds Rs 10,000, as per current tax laws. To avoid TDS, one can submit Form 15G or Form 15H (as applicable) to the bank.In case of any urgent requirements, one can break his/her FD before the maturity date. A penalty may be levied by the bank on premature withdrawals. The penalty amount varies from one bank to another.

While placing a FD, one must check the rules regarding pre-mature withdrawals. Sometimes, banks offer FDs without premature withdrawal facility as well as FDs without penalty on premature withdrawal.

One can use FD as a collateral to obtain a loan. The maximum loan sanctioned is usually a certain percentage of the principal deposit. This percentage may vary bank to bank.Nomination facility for Fixed Deposits (FDs) is also available.At maturity, if no specific instructions are given, most banks automatically renew the FD for the same period for which it was initially placed at the interest rates prevailing on the date the FD matures. If you do not want automatic renewal of your FD, you need to choose this option on the account opening form.

If you have forgotten to mention it, then you can visit the bank branch on the day of maturity and ask them to credit the proceeds into your savings account.

Nowadays banks offer the facility of opening an FD account online via Net banking through your account. One can invest in FD without having to visit a branch physically. However, remember that your bank may not issue you a printed FD receipt/advice if invested online.

Disclaimer: The data/information given above is subject to change therefore before taking any decision based on it, contact the bank/institution concerned.



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RBI holds repo rate; deposit rates may still go up, here’s what depositors should do, BFSI News, ET BFSI

Banking & Finance

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Fixed deposit (FD) investors who were hoping for the Reserve Bank of India (RBI) to hike key rates will have to wait longer as the apex bank has maintained status quo on rates yet again. In its bi-monthly monetary policy meeting, held on August 6, 2021, the RBI has decided not to change the repo and reverse repo rate. The repo rate and reverse rate remain at 4% and 3.35%, respectively.

Repo rate has remained at 4% since May 22, 2020; the lowest it has been since April 2001.

FD investors having been waiting for the key rates to be hiked since interest rates on their deposits have been lowered little by little by financial institutions like banks and NBFCs for the last two years.

However, things could change soon. Many economic indicators including inflation being on the higher side, bigger government borrowing programme, 10-year G-sec yield at around 6.2% etc. are hints that the RBI could hike rates in the near future.

“We expect the timing of first policy rate increase in the future to coincide with confidence that vaccinations provide adequate protection against a relapse,” says Prithviraj Srinivas, Chief Economist, Axis Capital.

In such a scenario some smart moves can help FD investors make the best of the current scenario. Here is how FD investors can enhance return on their deposits.

Short term FD rates may rise first
Whenever the interest rate cycle makes a U-turn from the bottom, it is typically the short to medium term interest rates that are likely to rise first. As far as long-term interest rates are concerned, it will take a little longer for these rates to go up significantly.

“We could see the yield curve gradually flatten with shorter end moving up tad faster than longer end. Markets could start pricing in possibilities of rev repo rate hike, though the policy refrained from any such guidance,” says Lakshmi Iyer, CIO (Debt) & Head Products, Kotak Mutual Fund.

Make the most of short term rate hike
If you are planning to book an FD now or are looking to renew your existing FD, then it will be better to go for shorter term deposit, say one year or lower, so that your deposit is not locked at a lower rate for long. Whenever the short to mid term rates rise, you can start increasing the tenure of the FDs accordingly.

Also Read: FD interest rates: Here are the top 5 bank fixed deposit interest rates

Make an FD ladder to guard against lowest return
If your deposit is up for renewal in the current scenario when the interest rate cycle is close to its lowest point, it could be a stressful situation. However, you can avoid this by creating an FD ladder. To do so you need to divide one big FD into smaller FDs, and book these for different tenures. You can do this in a way that one FD matures each year.

For instance, if you have a Rs 5 lakh FD, you can divide it into 5 parts and book 5 FDs of different tenures of 1 year, 2 years, 3 years, 4 years and 5 years. After one year, when the one-year tenure FD matures renew it for 5 years. After two years your FD with 2-year tenure will mature so you can renew it again for next 5 years. Now repeat this exercise each year and your ladder will be ready. This will ensure that not all of your deposits are locked at the lowest interest rate at the same time and your average return is on the higher side.

Consider floating rate options
When you do not wish to take any chances against the fluctuating interest rate cycle then floating rate FDs and floating rate bonds are good options if you want to lock in your funds for the long term.

Here is how floating rate FDs can help you
Many banks and non-banking financial companies have started offering floating rate fixed deposits. The interest rate on such a deposit is linked to a benchmark and the interest rate moves in tandem with the movement in the benchmark rate.

Indian Overseas Bank, for example, offers the floating rate FDs for 3-10 year tenures. It has kept the daily average of last six months of 5-year G-Sec rate and 10-year G-sec rate as benchmarks for 3-5 years and 5-10 years tenures, respectively. The 10-year G-sec yield on July 30, 2021, as per the data given by RBI, was 6.20%, which is much better than the FD rates of most large banks.

If you are not a senior citizen, then the best interest rate that you can get from a big bank will be around 5.25-5.5%. For instance, SBI is offering an interest rate of 5.40% on FD with tenure above 5 years to 10 years.

So, the floating rate option appears to be giving better interest rate of 6.20% (if the 6 months average is also the same) even in the current scenario. Once the overall interest rate scenario changes and rates start moving up, then depositors will get the real benefit of a floating rate FD as the interest rate on these FDs will also go up.

Invest in RBI floating rate bond for non-cumulative deposit
If you are a senior citizen and are looking for an option that gives you a regular income, then you should go for RBI Floating Rate Bonds. This bond is currently giving a return of 7.15% which higher than bank FDs. It has a tenure of 7 years and pays interest semiannually. Though senior citizens have better options like SCSS and PMVVY, however, they cannot invest more than Rs 15 lakh each in these two options. So the RBI Floating Rate Bond is a good option for those senior citizens who have exhausted the investment limit in the SCSS and PMVVY.

Also Read: Government launches 7.15% floating rate bonds: Here’s all you need to know

Also Read: RBI floating rate bonds interest rate to remain 7.15% till June 30, 2021

Rate hike on the horizon
Signs of an interest rate reversal have been visible since the early part of 2021. Though the central bank did not change the repo rate since May 2020, it increased the Cash Reserve Ratio (CRR) twice, from 3% to 3.50% on March 27 and again to 4% on May 22 in 2021. Increase in CRR is an indication of the central bank’s intention to suck liquidity from the system which can push rates up.

Other than this, certain banks, over the past few months have started hiking FD rates. On January 8, 2021, the State Bank of India (SBI) announced a marginal increase in its bulk deposit interest rate above Rs 2 crore by 0.1%. It increased it for deposits with tenures ranging from 180 days to 2 years.

In April, private lender HDFC raised its deposit rates by 10-25 basis points. SBI and housing finance company, HDFC, are often seen as trend setters as far as interest rates on loans and deposits are concerned.



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Here are the top 5 bank fixed deposit interest rates, BFSI News, ET BFSI

Banking & Finance

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Read More/Less


The fixed deposit (FD) is one of the most popular investment avenues. Many investors prefer bank FDs over equities as the former are considered safe. The return earned from a bank FD is fixed and known at the time of investing unlike in case of equity.

Fixed deposits are also known as term deposits. This is because money is deposited with a bank for a fixed predetermined time period or term. Here are certain things that you must know while opening an FD account.

You can open a term deposit account with a bank where one already has a savings account. Some banks may allow you to open an FD account without having to open a savings bank account. However, you will be required to undergo a know-your-customer (KYC) process in case the bank allows you to place an FD without a savings account. You will be asked to provide self-attested photocopies of ID proof such as PAN, address proof such as Aadhaar, Voter ID card, passport etc. and coloured passport size photographs. You will be required to show the original documents which will be returned immediately post-verification.

  • Minimum and maximum investment amount

The minimum amount needed to open a fixed deposit account varies from bank to bank. However, there is no limit on the maximum amount which one can invest in an FD.The minimum and maximum tenure offered for which an FD can be placed varies from one bank to another. Usually, one can invest in FD for a minimum period of 7 days and for a maximum of 10 years. You can choose the period for which you wish to keep your FD as per your requirement.

Top 5 bank fixed deposit interest rates
Tenure: 1 year

Bank Name Interest rate (%) Compounded qtrly What Rs 10,000 will grow into
RBL Bank 6.10 10624.10
DCB Bank 6.00 10613.64
Indusind Bank 6.00 10613.64
Bandhan Bank 5.50 10561.45
IDFC First Bank 5.50 10561.45

Tenure: 2 years

Bank Name Interest rate (%) Compounded qtrly What Rs 10,000 will grow into
RBL Bank 6.10 11287.14
DCB Bank 6.00 11264.93
Indusind Bank 6.00 11264.93
Bandhan Bank 5.50 11154.42
Karur Vysya Bank 5.50 11154.42

Tenure: 3 years

Bank Name Interest rate (%) Compounded qtrly What Rs 10,000 will grow into
DCB Bank 6.50 12134.08
RBL Bank 6.30 12062.63
Indusind Bank 6.00 11956.18
IDFC First Bank 5.75 11868.13
Canara Bank 5.50 11780.68

Tenure: 5 years

Bank Name Interest rate (%) Compounded qtrly What Rs 10,000 will grow into
DCB Bank 6.50 13804.20
RBL Bank 6.50 13804.20
IDFC First Bank 6.00 13468.55
Indusind Bank 6.00 13468.55
Axis Bank 5.75 13303.65

All data sourced from Economic Times Intelligence Group (ETIG)
Data as on August 5, 2021The interest rate offered on fixed deposits (FDs) will depend on the period for which you are investing in the FD and also vary from bank to bank for FDs for the same tenure. Senior citizens are typically offered higher interest rates. To receive the interest payment, you can choose either cumulative option or non-cumulative option.

Under the cumulative option, interest accrued on the deposit is reinvested and paid at the time of maturity along with principal amount.

In the non-cumulative option, interest is credited into the depositors account at the pay-out interval chosen at the time of placing the FD. Generally, one can choose from the options of receiving the interest on monthly, quarterly, half-yearly or annually basis as offered by the bank.

Interest received on FD is fully taxable in the hands of the investor. It will be taxed at the rates applicable to your income tax slabs. TDS will be deducted by the bank if the interest payment in a single financial year exceeds Rs 10,000, as per current tax laws. To avoid TDS, one can submit Form 15G or Form 15H (as applicable) to the bank.In case of any urgent requirements, one can break his/her FD before the maturity date. A penalty may be levied by the bank on premature withdrawals. The penalty amount varies from one bank to another.

While placing a FD, one must check the rules regarding pre-mature withdrawals. Sometimes, banks offer FDs without premature withdrawal facility as well as FDs without penalty on premature withdrawal.

One can use FD as a collateral to obtain a loan. The maximum loan sanctioned is usually a certain percentage of the principal deposit. This percentage may vary bank to bank.Nomination facility for Fixed Deposits (FDs) is also available.At maturity, if no specific instructions are given, most banks automatically renew the FD for the same period for which it was initially placed at the interest rates prevailing on the date the FD matures. If you do not want automatic renewal of your FD, you need to choose this option on the account opening form.

If you have forgotten to mention it, then you can visit the bank branch on the day of maturity and ask them to credit the proceeds into your savings account.

Nowadays banks offer the facility of opening an FD account online via Net banking through your account. One can invest in FD without having to visit a branch physically. However, remember that your bank may not issue you a printed FD receipt/advice if invested online.

Disclaimer: The data/information given above is subject to change therefore before taking any decision based on it, contact the bank/institution concerned.

For any queries or changes, please write to us on etigdb@timesgroup.com or call us at 022 – 66353963.



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